Use a Medigap plan to make up for Medicare’s coverage gaps

If you want to fill the gaps in your Medicare coverage, such as co-payments, deductibles and other costs, a Medigap supplemental insurance plan can help you do just that. You can select another Medigap plan whenever you want but you might have to pay more for it or be denied coverage if you switch your plan more than six months after you initially signed up for Part B.

Medigap insurance plans are named by letters across the nation. This means that they offer the same basic benefits for each letter category. In some states such as Massachusetts, Minnesota, and Wisconsin, the same-letter policies have different costs.

The most popular insurance plan is Plan F because of its comprehensive coverage among the 10 standardized policies. Unfortunately, starting with 2020, Plan F and Plan C were discontinued for new enrollees, except those enrolled in 2020. The next best thing is Plan G, which covers most of what Plan F did, excluding Medicare Part B deductible.

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